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1、商业银行信息科技风险管理制度(英文版)(doc 16页)Guidelines on the Risk Management ofCommercial Banks Information TechnologyChapter IGeneral ProvisionsArticle 1. Pursuant to the Law of the Peoples Republic of China on Banking Regulation and Supervision, the Law of the Peoples Republic of China on Commercial Banks, the R
2、egulations of the Peoples Republic of China on Administration of Foreign-funded Banks, and other applicable laws and regulations, the Guidelines on the Risk Management of Commercial Banks Information Technology (hereinafter referred to as the Guidelines) is Article 2. Article 3. Article 4. transacti
3、ons, operation management, and internal communication, collaborative work and controls. The term also include IT governance, IT organization structure and IT policies and procedures.Article 5. The risk of information technology refers to the operational risk, legal risk and reputation risk that are
4、caused by natural factor, human factor, technological loopholes or management deficiencies when using information technology.Article 6. The objective of information system risk management is to establish an effective mechanism that can identify, measure, monitor, and control the risks of commercial
5、banks information system, ensure data integrity, availability, confidentiality and consistency, provide the relevant early warning, and thereby enable commercial banks business innovations, uplift their capability in utilizing information technology, improve their core competitiveness and capacity f
6、or sustainable development.Chapter IIIT governanceArticle 7. The legal representative of commercial bank should be responsible to ensure compliance of this guideline. Article 8. The board of directors of commercial banks should have the following responsibilities with respect to the management of in
7、formation systems:(1) Implementing and complying with the national laws, regulations and technical standards pertaining to the management of information systems, as well as the regulatory requirements set by the China Banking Regulatory Commission (hereinafter referred to as the “CBRC”);(2) Periodic
8、ally reviewing the alignment of IT strategy with the overall business strategies and significant policies of the bank, assessing the overall effectiveness and efficiency of the IT organization.(3) Approving IT risk management strategies and policies, understanding the major IT risks involved, settin
9、g acceptable levels for these risks, and ensuring the implementation of the measures necessary to identify, measure, monitor and control these risks. (4) Setting high ethical and integrity standards, and establishing a culture within the bank that emphasizes and demonstrates to all levels of personn
10、el the importance of IT risk management. (5) Establishing an IT steering committee which consists of representatives from senior management, the IT organization, and major business units, to oversee these responsibilities and report the effectiveness of strategic IT planning, the IT budget and actua
11、l expenditure, and the overall IT performance to the board of directors and senior management periodically. (6) Establishing IT governance structure, proper segregation of duty, clear role and responsibility, maintaining check and balances and clear reporting relationship. Strengthening IT professio
12、nal staff by developing incentive program.(7) Ensuring that there is an effective internal audit of the IT risk management carried out by operationally independent, well-trained and qualified staff. The internal audit report should be submitted directly to the IT audit committee;(8) Submitting an an
13、nual report to the CBRC and its local offices on information system risk management that has been reviewed and approved by the board of directors ;(9) Ensuring the appropriating funding necessary for IT risk management works;(10) Ensuring that all employees of the bank fully understand and adhere to
14、 the IT risk management policies and procedures approved by the board of directors and the senior management, and are provided with pertinent training.(11) Ensuring customer information, financial information, product information and core banking system of the legal entity are held independently wit
15、hin the territory, and complying with the regulatory on-site examination requirements of CBRC and guarding against cross-border risk.(12) Reporting in a timely manner to the CBRC and its local offices any serious incident of information systems or unexpected event, and quickly respond to it in accor
16、dance with the contingency plan;(13) Cooperating with the CBRC and its local offices in the supervisory inspection of the risk management of information systems, and ensure that supervisory opinions are followed up; and(14) Performing other related IT risk management tasks.Article 9. The head of the
17、 IT organization, commonly known as the Chief Information Officer (CIO) should report directly to the president. Roles and responsibilities of the CIO should include the following:(1) Playing a direct role in key decisions for the business development involving the use of IT in the bank;(2) The CIO
18、should ensure that information systems meet the needs of the bank, and IT strategies, in particular information system development strategies, comply with the overall business strategies and IT risk management policies of the bank;(3) The CIO should also be responsible for the establishment of an ef
19、fective and efficient IT organization to carry out the IT functions of the bank. These include the IT budget and expenditure, IT risk management, IT policies, standards and procedures, IT internal controls, professional development, IT project initiatives, IT project management, information system m
20、aintenance and upgrade, IT operations, IT infrastructure, Information security, disaster recovery plan (DRP), IT outsourcing, and information system retirement;(4) Ensuring the effectiveness of IT risk management throughout the organization including all branches.(5) Organizing professional training
21、s to improve technical proficiency of staff.(6) Performing other related IT risk management tasks.Article 10. Commercial banks should ensure that a clear definition of the IT organization structure and documentation of all job descriptions of important positions are always in place and updated in a
22、timely manner. Staff in each position should meet relevant requirements on professional skills and knowledge. The following risk mitigation measures should be incorporated in the management program of related staff:(1) Verification of personal information including confirmation of personal identific
23、ation issued by government, academic credentials, prior work experience, professional qualifications;(2) Ensuring that IT staff can meet the required professional ethics by checking character reference; (3) Signing of agreements with employees about understanding of IT policies and guidelines, non-d
24、isclosure of confidential information, authorized use of information systems, and adherence to IT policies and procedures; and(4) Evaluation of the risk of losing key IT personnel, especially during major IT development stage or in a period of unstable IT operations, and the relevant risk mitigation
25、 measures such as staff backup arrangement and staff succession plan.Article 11. Commercial banks should establish or designate a particular department for IT risk management. It should report directly to the CIO and the Chief Risk Officer (or risk management committee), serve as a member of the IT
26、incident response team, and be responsible for coordinating the establishment of policies regarding IT risk management, especially the areas of information security, BCP, and compliance with the CBRC regulations, advising the business departments and IT department in implementing these policies, pro
27、viding relevant compliance information, conducting on-going assessment of IT risks, and ensuring the follow-up of remediation advice, monitoring and escalating management of IT threats and non-compliance events. Article 12. Commercial banks should establish a special IT audit role and responsibility
28、 within internal audit function, which should put in place IT audit policies and procedures, develop and execute IT audit plan.Article 13. Commercial banks should put in place policies and procedures to protect intellectual property rights according to laws regarding intellectual properties, ensure
29、purchase of legitimate software and hardware, prevention of the use of pirated software, and the protection of the proprietary rights of IT products developed by the bank, and ensure that these are fully understood and complied by all employees. Article 14. Commercial banks should, in accordance wit
30、h relevant laws and regulations, disclose the risk profile of their IT normatively and timely.Chapter IIIIT Risk ManagementArticle 15. Commercial banks should formulate an IT strategy that aligns with the overall business plan of the bank, IT risk assessment plan and an IT operational plan that can
31、ensure adequate financial resources and human resources to maintain a stable and secure IT environment.Article 16. Commercial banks should put in place a comprehensive set of IT risk management policies that include the following areas:(1) Information security classification policy(2) System develop
32、ment, testing and maintenance policy(3) IT operation and maintenance policy(4) Access control policy(5) Physical security policy (6) Personnel security policy(7) Business Continuity Planning and Crisis and Emergency Management procedureArticle 17. Commercial banks should maintain an ongoing risk ide
33、ntification and assessment process that allows the bank to pinpoint the areas of concern in its information systems, assess the potential impact of the risks on its business, rank the risks, and prioritize mitigation actions and the necessary resources (including outsourcing vendors, product vendors
34、 and service vendors).Article 18. Commercial banks should implement a comprehensive set of risk mitigation measures complying with the IT risk management policies and commensurate with the risk assessment of the bank. These mitigation measures should include:(1) A set of clearly documented IT risk p
35、olicies, technical standards, and operational procedures, which should be communicated to the staff frequently and kept up to date in a timely manner;(2) Areas of potential conflicts of interest should be identified, minimized, and subject to careful, independent monitoring. Also it requires that an
36、 appropriate control structure is set up to facilitate checks and balances, with control activities defined at every business level, which should include:- Top level reviews; - Controls over physical and logical access to data and system; - Access granted on “need to know” and “minimum authorization
37、” basis;- A system of approvals and authorizations; and- A system of verification and reconciliation.Article 19. Commercial banks should put in place a set of ongoing risk measurement and monitoring mechanisms, which should include(1) Pre and post-implementation review of IT projects;(2) Benchmarks
38、for periodic review of system performance;(3) Reports of incidents and complaints about IT services;(4) Reports of internal audit, external audit, and issues identified by CBRC; and(5) Arrangement with vendors and business units for periodic review of service level agreements (SLAs).(6) The possible
39、 impact of new development of technology and new threats to software deployed.(7) Timely review of operational risk and management controls in operation area.(8) Assess the risk profile on IT outsourcing projects periodically.Article 20. Chinese commercial banks operating offshore and the foreign co
40、mmercial banks in China should comply with the relevant regulatory requirements on information systems in and outside the Peoples Republic of China.Chapter IVInformation SecurityArticle 21. Information technology department of commercial banks should oversee the establishment of an information class
41、ification and protection scheme. All employees of the bank should be made aware of the importance of ensuring information confidentiality and provided with the necessary training to fully understand the information protection procedures within their responsibilities.Article 22. Commercial banks shou
42、ld put in place an information security management function to develop and maintain an ongoing information security management program, promote information security awareness, advise other IT functions on security issues, serve as the leader of IT incident response team, and report the evaluation of
43、 the information security of the bank to the IT steering committee periodically. The Information security management program should include Information security standards, strategy, an implementation plan, and an ongoing maintenance plan.Information security policy should include the following areas
44、:(1) IT security policy management(2) Organization information security(3) Asset management(4) Personnel security(5) Physical and environment security(6) Communication and operation security(7) Access control and authentication(8) Acquirement, development and maintenance of information system(9) Inf
45、ormation security event management(10) Business continuity management(11) ComplianceArticle 23. Commercial banks should have an effective process to manage user authentication and access control. Access to data and system should be strictly limited to authorized individuals whose identity is clearly
46、 established, and their activities in the information systems should be limited to the minimum required for their legitimate business use. Appropriate user authentication mechanism commensurate with the classification of information to be accessed should be selected. Timely review and removal of use
47、r identity from the system should be implemented when user transfers to a new job or leave the commercial bank.Article 24. Commercial banks should ensure all physical security zones, such as computer centers or data centers, network closets, areas containing confidential information or critical IT e
48、quipment, and respective accountabilities are clearly defined, and appropriate preventive, detective, and recuperative controls are put in place.Article 25. Commercial banks should divide their networks into logical security domains (hereinafter referred to as the “domain”) with different levels of security. The following security factors have to be assessed in order to define and implement effective security controls, such as physical or logical segregation of network, network filtering, logical access control, traffic encryption, network monitoring, activity lo
